STD coverage provides income replacement if you are sick or injured and need time off work to recover. The STD plan provides 60% of your weekly salary, to a maximum of $3,500 per week for up to 90 days of a disability. Benefits begin on the 8th day you miss work because of an accident or illness. You are automatically covered under the STD plan at no cost to you.
LTD coverage is important because anyone at any age may become injured or ill for an extended period of time. LTD protects you from loss of income in the event you are unable to work due to an illness, injury, or accident for a period of time that exceeds the short-term disability benefit. You are automatically covered under the LTD plan at no cost to you.
LTD coverage will replace 60% of your base salary to a monthly maximum of $10,000 if you are disabled for more than 90 days and are unable to work. LTD benefits are offset by other sources of income, such as Social Security and workers’ compensation.
See the Benefits Guide or benefit summaries for detailed information.